As a client of Moran Wealth Management, our promise to you is simple: we will keep in touch as much or as little as you need us to, and we will always have your personal needs and interests at heart. Here are just some of the things that you can expect when you choose to work with us:

• We take the time to understand your financial situation, and keep you informed of only those events, news and updates that you want to hear about.
• As a minimum, we will meet you once each year to review your personal financial situation; we can meet more often if you prefer.
• All meetings with our advisers can be held in person or virtually, depending on your situation and preferences.

Complete financial management service

We take the stress and hassle out of your financial affairs - it’s all part of our service. Trust us to:

• Collate the details of your existing policies and assess their performance for your review;
• Update your policy details & liaise with external providers on your behalf;
• Provide easy-to-absorb one-page assets or pensions summaries to aid your record keeping and decision making.

Support wherever & whenever you need us

From Monday – Friday, 8am – 4pm, a qualified team member is only a phone call away.

• Guaranteed 24-hour response times
• Meet us in person, or remotely via our secure online meeting rooms
• Access your online wealth account securely 365 days a year, 24 hours a day
• Document encryption and secure online signature services, so you can manage every aspect of your portfolio at a distance

Empowering you to take control

Not sure of your pension situation? Uncertain about investments? Don’t worry: we will make sure you have the information and insight you need to feel empowered about your financial situation, ready to take well informed decisions towards a more confident future. We use a range of tools to help you build complete picture of your financial situation, ready to plan ahead for the years – and generations – to come. We provide expert support for inexperienced or nervous investors including:

• Financial performance analysis
• Experian credit reporting
• State pension forecasting
• Tracing missing pensions
• National insurance record management
• Pension compensation assistance
• Pension drawdown decumulations
• Voyant cashflow modelling

Help when you need it most

Bereavement is a difficult time. Rest assured that we’re at your side, collating all of the estates information that your solicitor will need if you lose a loved one.

A well-qualified and trusted team

With our well qualified team, your financial affairs are in safe hands, and our commitment to empowerment through education extends to our approach to financial advice.

• A partnership approach that puts you in control
• A highly-qualified local team, committed to continuing professional development and best practice

An ethical and responsible approach

We don’t just want to do well: we want to do good. We believe that when our local communities grow stronger, everyone benefits.

• Year-round charitable gifting programme to support those who need it most
• Proudly accredited as a Responsible Business with the Good Business Charter
• Our director, Nicola Crosbie, coordinates the local branch of the St. James's Place Charitable Foundation

Proactive, year-round support and advice

You can trust us to be proactive in keeping you up to date with all you need to know to keep you in control of your future.

• Reach us at our Lochwinnoch offices Monday to Friday, 8am - 4pm
• Regular reviews of your investments and financial situation, provided remotely or face-to-face
• Proactive updates on Budget, legislation or global economic affairs that may affect you
• A year-round online events programme to keep you abreast of all you need to know

Fair, honest pricing

We don’t claim to be the cheapest on the market. But if you’re interested in long-term value, we’re confident in saying that you’ll find us hard to beat. We offer no obligation consultations: see ‘key facts about our costs and services’ for full pricing information.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.